Products
AUTOMOBILE LIABILITY LIMITS
| Limit of Liability | |
| Bodily Injuries & Third Party Property Damage(Symbol 67) | $1,000,000 CSL or |
| (Specifically Described Autos) | $750,000 CSL |
| Personal Injury Protection(Symbol 65) (Owned Autos in States requiring No-Fault Coverage) |
Per State Requirements |
| Medical Payments (Symbol 67) | Per State Requirements |
| Uninsured/Underinsured Motorist (Symbol 66) | Per State Requirements |
| (Owned Autos Subject to Compulsory UM Law) | |
GENERAL LIABILITY LIMITS
Bodily Injury & Property Damage
| Limit of Liability | |
| Each Occurrence* Premises/ Products/Completed Operations | $1,000,000 |
| Personal & Advertising Injury * -Any One Person or Organization | $1,000,000 |
| Damage to Premises Rented to You * Any One Premise | $100,000 |
| Medical Payments * Any One Person |
$5,000 |
| General Aggregate (Other than Products Completed Operation) | $2,000,000 |
| Products & Completed Operations Aggregate | $2,000,000 |
| Employee Benefits Liability | |
| Each Employee | $1,000,000 |
| Aggregate | $1,000,000 |
*Losses in these areas reduce the General Aggregate Limit.
QUICK REFERENCE SHEET
(UNERWRITING GUIDELINE)
| SUBMISSION REQUIREMENTS | |
| • Completed & Signed A-One Application | |
| • 3-Year Loss Runs, Currently Valued | |
| • MVRs for all Drivers, Currently Dated | |
| • Tangible Experience Information for New Ventures. | |
| TARGET MARKET | |
| • For-Hire and Private Carriers | |
| • Non-hazardous Cargo | |
| • Local, Intermediate, Long Haul | |
| • Heavy and Extra Heavy Truck Tractors and Trucks. | |
| • 1:1 Ratio of Drivers to Insured Vehicles (Surcharge May Apply for 2+:1 Ratio) | |
| EXPERIENCE REQUIREMENTS (proof required) | |
| • New Ventures: Minimum of Three Years in Industry or Owner with 1-3 Years Management Experience. | |
| • Drivers: must have had at least one year with CDL. | |
| COVERAGES & LIMITS | |
| • Motor Carriers Liability: up to $1,000,000 CSL | |
| • General Liability: up to $1,000,000/$2,000,000 | |
| • Motor Truck Cargo: up to $250,000 | |
| • UM/UIM & No-Fault per State Requirements | |
| • Med-Pay: up to $5,000 | |
| INELIGIBLE CHARACTERISTICS | |
| ALL COVERAGES | |
| • 4:1 Ratio of Drivers to Insured Vehicles | |
| • Hazardous Materials (i.e. radioactive materials, volatile gasses under pressure, chemicals, etc.) | |
| • Sand & Gravel (dirt, crushed limestone, etc.) | |
| • Local Dump Trucks | |
| • Broker Authorities | |
| • Double or Triple tractor-trailer trucks | |
| • Public Transportation | |
| MOTOR TRUCK CARGO | |
| • High Value (electronics, automobiles, etc.) | |
| • Refrigerated or Frozen (produce, meats, etc.) | |
| DRIVERS | |
| • 3 or More Accidents in the Last Three Years | |
| • Any Serious Violation in the Last Three Years (i.e. DUI, reckless driving, hit and run, etc.) | |
| • 4 or More Moving Violations and/or Accidents in the Last Three Years | |
| • Drivers under the age of 25 or over the age of 70 | |